Winnebago County, IL Average Home Price (2026)
The average home price in Winnebago County, Illinois is about $225,000 (the 2026 median across 17 ZIP codes, at ~$139/sq ft) — 14% more expensive than the Illinois median and 22% more affordable than the typical U.S. home.
How Winnebago County compares
Winnebago County is about average for housing nationally: its typical home costs $225,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $114,000 to $316,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Winnebago County | $225,000 | $139 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Cities in Winnebago County
Cities with their own home-value page, largest first:
Winnebago County home prices by ZIP code
The 15 most valuable ZIP codes in Winnebago County (of 17 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 61073 Roscoe | $316,000 | $153 | +40% |
| 61072 Rockton | $298,000 | $153 | +32% |
| 61016 Cherry Valley | $295,000 | $162 | +31% |
| 61088 Winnebago | $283,000 | $134 | +26% |
| 61114 Rockford | $272,000 | $137 | +21% |
| 61080 South Beloit | $243,000 | $177 | +8% |
| 61063 Pecatonica | $236,000 | $151 | +5% |
| 61107 Rockford | $226,000 | $129 | +0% |
| 61024 Durand | $225,000 | $188 | +0% |
| 61115 Machesney Park | $210,000 | $161 | -7% |
| 61111 Loves Park | $206,000 | $155 | -8% |
| 61109 Rockford | $196,000 | $138 | -13% |
| 61108 Rockford | $193,000 | $139 | -14% |
| 61103 Rockford | $152,000 | $124 | -32% |
| 61102 Rockford | $122,000 | $132 | -46% |
Home value appreciation in Winnebago County
Home prices in Winnebago County have risen about 100% over the last 10 years (≈7.2% a year) and +64.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.6% — still rising. A home worth $225,000 today was worth roughly $112,725 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Illinois is +64.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Winnebago County
Run the numbers for Winnebago County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Winnebago County
To buy the typical $225,000 home in Winnebago County with 20% down, you need a household income of roughly $61,000 a year (about $1,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $73,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,300 | $1,780/mo | $76,000/yr |
| 10% (+PMI) | $22,500 | $1,700/mo | $73,000/yr |
| 20% | $45,000 | $1,430/mo | $61,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Winnebago County
At about $139 per square foot, here is roughly how much home different budgets get you in Winnebago County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1440 sq ft | around the typical home here |
| $250k | 1800 sq ft | around the typical home here |
| $300k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2880 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Illinois.
Estimate a specific home in Winnebago County
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Winnebago County home prices: frequently asked
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Browse all Illinois cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.